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9. Sioux Falls, S.D.

City averages:
Credit Score: 778
Debt: $23,710
Number of Late Payments: 0.24
% Credit Available: 75.84
Number of Open Credit Cards: 1.96

Sioux Falls, S.D., has risen one notch from No. 10. At the time this analysis was conducted, the city had an unemployment rate of 4.5 percent, less than half of the 9.2 percent national average. This could only have helped improve its standing.